Testimonials

Thank you for your kind words.

At ABBA First Mortgage, we love our clients and welcome their feedback; it's what helps us to improve our service to you. We value your input as we strive for excellence. Take a look at what some of our satisfied homeowners have to say about us; and please take the time to add your comments and feel free to send us a picture of you and your family in front of your home. We especially enjoy seeing those.

I so enjoyed my experience with all of you at ABBA. You guys are so professional and genuinely care about your clients. I so appreciate all of your hard work. Thank Wayne and Richard also. I mentioned to my boss today before I got this what a good expo it was! Thank you

Cindy Clowers

Cindy Clowers
Knoxville TN

ABBA took a personal interest in meeting my goals with my refinance. I was very pleased with the results.

I am very satisfied with ABBA’s customer service. Everyone treated me with respect and were able to help advise me with the best loan option to suite my needs. Everyone also helped assist me with any questions during the loan process.

I was very satisfied with the lender options and programs. Also ABBA was able to advise me when to lock in the rates with the lender.

I am a repeating customer and I plan to use ABBA First Mortgage again in the future if needed.

I will defiantly recommend ABBA First Mortgage to anyone that will require you services.

I just want to thank everyone for the hard work you put in with my refinance. ABBA First Mortgage has been a blessing to me with my estate management.

God Bless You,

Brent

Brent Baker
Apex, NC

How well did ABBA First Mortgage listen to and ultimately meet your desired goal?

Perfect from first meeting through today

How satisfied were you with our overall customer service, knowledge and advice?

Very satisfied

How satisfied were you with the recommended lender options and programs?

Very satisfied

What is the likely hood of you completing another mortgage loan transaction with us?

100% if another purchase is in our future

Can we count on you to recommend ABBA First Mortgage?

I have stressed to our agent that if they have any clients needing services to call ABBA First without hesitation, their clients will be taken care of. It has been a very positive experience working with ABBA First from the first meeting with Rich. ABBA First will be recommended to anyone we know wanting to purchase a home.

Thanks

Chris Meeks

East Coast Building Concepts, Inc

Christy and Tina Meeks
Rocky Point NC

“We could not be more pleased and grateful for our home buying experience with you all. We know that our loan was not an easy one to tackle as we were first-time home buyers, purchasing a home without a realtor, and buying a home owned by an estate. You handled all of these complexities with patience, perseverance, and great care. We are so grateful that you extended yourselves beyond simply completing our loan and truly became our teachers. Thank you to you and the whole ‘Abba First’ family for helping us become home owners! We are forever grateful for you all.”

Ryan and Katy Biagini

Ryan and Katy Biagini
Elon, NC

Dear Rich, Maureen, and Margaret,

It has been a bit of a whirlwind here since our closing last week but in the midst of all the activity with the new house we wanted to take a minute to thank you again for all of your help with our mortgage. Our second experience with your company has been just as pleasant as the first and, should we ever need you again, we’re sure our third experience will be the same!

We truly appreciate all the work you put into this rather unusual mortgage. When we didn’t think we had an option for what we wanted to do, you found a way. Rich, you were so knowledgeable and kind to patiently explain this, “new” (to us) loan vehicle and you answered all of our questions as a teacher would. We are so grateful for how you all stayed on top of every little detail and handled all the situations that popped up at the last minute concerning the seller’s probate situation. Your communication with everyone, even including our real estate agent, was beyond anything we would have ever expected from another firm! Because this was our second time around with Abba First, we did know that we could “rest easy” knowing you were watching out for our best interests. None of you were ever frazzled by the curve balls, you just worked the problems and found the solutions. It is such a pleasure to work with such positive and peaceful personalities!

We will be telling our friends about you and hope to work with you again one day.

Best regards to all in your office,

Paul and Linda Steneck

Oak Ridge, Tennessee

Paul and Linda Steneck
Oak Ridge, TN

Thanks to Rich and his company for helping, patient and good advice with our closing. They are so professional and friendly. I encourage all to use them. We will definitely use them again when buying another home.

John Garland and Michael Tidwell

John Garland and Michael Tidwell
Greenville, NC

Afternoon guys,

I just wanted to say thank you again very much for you and your teams’ help. You guys are awesome. Margaret and Tripp were outstanding.

Have a great day and the weekend as well.

Sid

Sid Humphreys
Granite Falls, NC

Maureen, Please thank everyone there who helped with our refinance. It was so smooth and easy for us. Never even had to leave our house. And the obvious attention to detail by all the staff at ABBA is impressive and reassuring. I enjoyed talking with Rich who has a wonderful sense of humor, but is obviously serious about what he does to help ABBA clients.

Thanks again,

Steve Harrison

Steve Harrison
Hendersonville, NC

Rich and Lori were astonishing. June 2016, when I decided to buy a new home, for better school and environment for my kids, I was afraid to go through my previous experience, where everything went wrong. Friend of mine recommends me to work with ABBA First. The experience was amazing, from the beginning to the end: the selection of bank that fits my needs, the interest rate of the loan (the best mortgage rate in NC), the answering to my emails and questions. They keep helping me even after the closing. I am really happy that I selected ABBA First Mortgage Company. I cannot thank them enough for all their help. My finance does not look like perfect, but I was sure that I can make it, and Richard trusted me and believed in me. Finally, I was able to make the 20% down payment, using the strategic planning of Richard. Now, I need to fulfill my wish to pay the home within the ten coming years.

Ahmed

Ahmed Cherif Megri
Oak Ridge, NC

Thank you Maureen, their sale went through beautifully and I cannot thank the team at Abba First enough for helping them navigate their first home purchase! I look forward to having the opportunity to use your company again to help my buyers. Please keep me on your email marketing campaigns so I can have the pertinent information on rates and products that may benefit my clients as they shop for the best company to use.

Thank you all again for all your hard work!

Amy Clark
A New Dawn Realty
336-355-8012

Mr. Biagini was absolutely amazing! He was quick to get our paperwork together and to respond to our many emails. My husband and I are first time home buyers and he was very knowledgeable and extremely helpful. We had many questions and he not only answered them but offered in depth detailed explanations to help us better understand. He worked hard to configure various ways to work our loan in order to get us the most out of it and the best rate. We will only use Richard and Abba First from now on!

Jonathan and Kerrie Cox
Kannapolis, NC

Dear Maureen, Rich Sr., and Lori

Thank you so much for accomplishing another excellent Home Refinancing effort for us!
As you know, this was our second refinancing with you – and we truly appreciated your continued efforts in our behalf.
Once again, we are indebted to you and ABBA FIRST for your sustained professionalism and kindnesses shown toward us – especially considering the crazy and changing times for the recent mortgage rates.
We truly look forward to recommending the services of ABBA FIRST MORTGAGE to any of our family and/or friends in need of a Home Mortgage.

Appreciatively yours,

Bill and Linda Asher

Bill and Linda Asher
Fuquay Varina, NC

Hello Maureen/Richard
I think I have refinanced 3 or 4 times with you guys and it has always worked well for me.
I will definitely recommend you to my friends and family.
I will again probably come back to you to get my new home refinanced in near future 🙂
Thanks
Harpreet Singh
Durham, NC

Harpreet Singh
Durham, NC

Hi Rich. I want to let you know that I appreciate your hard work with closing my recent loan. I’ve passed along your contact info to a good friend of mine who is looking to do about the same thing we just did for me. Your personal touch makes the process as easy as possible – thank you for that.

-Mike

Michael Tarnowski
Raleigh, NC

Everyone we dealt with made the maximum effort to make the purchase of this property as easy as possible. Because it was a second home, far from our New York home, the entire process was done from New York, other than the closing, which could also have been done remotely, but we chose to come to N.C. for it. I would highly recommend this agency!!!

Thomas & Elizabeth Small

Thomas and Elizabeth Small
Wilmington, NC 28409

Very smooth and worry free. Lori and the whole bunch were wonderful to work with. We thank all of the crew very much, they even have a place to entertain your child if you need that option. Again thanks very much.

Mick and Becky Zerr
Wilmington, NC 28412

We enjoyed every minute of our experience with ABBA First! Rich Sr. and the team were so kind, thoughtful and helpful to us in buying our first home! I highly recommend them!

Theo and Hannah Milojevich
Wilmington, NC

Rich made the process of refinancing my home such an easy process. I was very impressed with his knowledge and helpfulness, but when he even went out of his way to watch the market and lock in on a very low interest rate that was only available a couple of hours before rates began to climb, he definitely won me over! I think that Rich’s professionalism combined with sharing my faith based approach to business speaks extremely high of him and I say “thank you Rich, for the great job with my mortgage!”

Carl Searcy
Rutherfordton, NC

We are doing great in the new home. We’ve settled in and enjoyed having the extended family over for Christmas Eve. We’re so happy there and we’re very pleased that our home in Durham sold the same day it went on the market and closes at the end of the month next month. 🙂

I know our case involved more work that you’re probably used to handling so thanks to you and Rich for all the help to get use where we are! We’re so thankful and feel so blessed.

Todd

Todd and Melinda Robinson
Timberlake, NC

I sincerely appreciate everything you guys did for us to help us purchase our new home. We’ve been in our home in Concord now for a month and we’re loving it. Couldn’t have happened without the guidance, knowledge, and patience of everyone there in the office. Thank you! I’ll be sure to refer anyone I can to Abba First.

Andy Christy

Andrew Christy
Concord, NC

Rich and his team at Abba First Mortgage take great care and diligence in finding the right loan for their clients, and getting them closed. As a Realtor, options are readily available, but I am confident knowing that my clients will enjoy professional and dedicated service at Abba First. Rich, Maureen, and their staff stay current on loan products and guidelines to ensure satisfaction and fluency from application to close. I advise all my clients to call them first.

Daniel Adams, Realtor
eXp Realty
Wilmington, NC

This was the first time I worked with ABBA First Mortgage and I was extremely pleased.
The loan was closed on time, or a little early and they were fantastic about keeping me updated.
Will definitely be using ABBA First in the future.
Thank you!

We can’t thank you enough for all you did to help us get into our home! You were willing to take on prospective clients that some lenders would (and did) run from. You and your team went the extra mile for us at each stage of the lending process. Rich searched out every possibility to find us the best deal and save us the most money. He is a man of the highest personal and professional integrity; we felt as if we were getting sound, “fatherly” advice in our many conversations. Thank you for everything!

Bob and Rochelle Grass

Robert and Rochelle Grass
Leland, NC

Just a quick note to say thank you and your team for helping me and my Mother with the cash out refinance on our new home. You and your team were AWESOME, to say the least!! It was a somewhat scarey experience for me due to my inexperience in the whole home buying ordeal in 2015, things have changed so much over the last 15 years. But you took it on like a champ and your professionalism and competence were superior. The money that were borrowed from the personal annuity accounts was back in time to avoid any taxes for 2015 and everything came off without a “hitch”. Thank you again for all your timely hard work and dedication to making our loan “happen”. You folks are the greatest and you will come HIGHLY RECOMMENDED by me, my family and friends.

Sincerely Yours

Mavis Ammons and Lynn Day
Wilmington, NC

Thank you all for helping us make our dream come true. God has truly blessed us beyond our wildest imagination. Please keep us in your prayers as we will you all. Everyone I talk to has said that we got a really great deal and I tell them that I worked with a great company that knew how to make it all possible. This is just one more example of how prayer really does change things. Thank you all again and I will not hesitate to refer Abba First Mortgage.

Jonathan and Chelsea Mikels
Pinnacle NC

Rich, you & your team are terrific. Look forward to more business & closings with you in the future.

Keith Knight
Apple House Realty
Salisbury, NC
704-363-0096

It has truly been a pleasure working with you. You have turned everything around better than expected and promptly at that! Lori and Maureen have been fabulous as well. You have a great team and it shows. I’m sure Keith will keep you busy as well as myself referring people to you.

Bryan Surratt
Concord, NC

Needless to say, Sara and I have been very busy with our new home! With that in mind, we feel truly blessed to have used ABBA First Mortgage in our home buying process. Going into it, we realized that it would likely be challenging for us to find a mortgage that we could afford. In fact, in the months leading up to our decision to try to purchase a home, we contacted Rich and established a relationship. Much to his credit, Rich maintained contact with us over time until we felt that we were ready to begin the process. When it was time to take the first steps in obtaining a mortgage, we knew exactly who to call and who to trust. Rich, Lori and yourself were always patient, extremely helpful and available to us throughout the process! Though we encountered challenges along the way, ABBA First Mortgage made us a priority and assured us with your professionalism and outstanding communication. In the end, we felt as though we were treated as friends and family, instead of just a client! Having Rich join us at our closing proved to Sara and I the expert level of care and commitment shown to us by him, and your entire ABBA team. Again, thank you for everything and please know that we’ll definitely be recommending ABBA First Mortgage to others!

Best Wishes To You All

Steve Goodwin

Steven and Sara Goodwin
Leland, NC

Thank you ABBA First Mortgage for all your support in getting us into the perfect house for our family to grow!!! We couldn’t have been happier with how the mortgage process was completely stress free. This is our second home with ABBA First and I can even begin to express how excited we are in our new house!

Bryan and Sarah

Bryan and Sarah Strothmann
Raleigh, NC

We would like to thank everyone for the amazing service and help in acquiring our loan. Sorry I am just now responding, we are all moved in now! Lori did an awesome job and someone was ALWAYS available if we needed something. Again, we truly appreciate all you did for Jenna and I and will certainly be recommending Abba First to our friends! Thanks and have a wonderful day!

Hunter Little

Hunter and Jenna Little
Raleigh, NC

Maureen,
I can’t say enough about the level of service ABBA provided in dealing with a difficult lender. The patience and persistence that Rich and Lori had dealing this lender was undoubtedly the reason we eventually closed. I was extremely satisfied with the services that ABBA provided, and will certainly recommend ABBA to anyone I know looking to purchase a home.

Thanks for your help and support, we appreciate everything you did to get us into our new home.

Jeff

Jeffrey Campbell
Hampstead, NC

Lori was great!! I understand this was a tough one to get done. And it took longer then expected, but considering the hoops that needed to be jumped through its completely understandable. Lori was honest from the beginning so we did expect a delay in closing. And I’m grateful it gone done.

I will think of Lori and ABBA First on future sales, not just the tough ones😊

Maureen, I just wanted to thank you, Rich and Lori for all your help with my refinance. ABBA provided excellent customer service, a high level of trust and hand holding when I needed it! Thanks for helping me get through what can be a confusing process. Hope to see you guys again soon!
Lisa Shea

Lisa Shea, Hampstead, NC

Maureen – I couldn’t be more please with AbbaFirst! You guys were right on top of everything. Lori was amazing!!!!! I would email her a question and within 5 minutes I would have a response. I would recommend you guys to anyone. It couldn’t have gone any smoother. Very happy customer.

Marci Lindeen

Gabriel and Marjorie Lindeen, Carolina Beach, NC

Ms McAdory’s closing seems to be finalized and all is well! She is very happy and her house is so cute!
Thank you all for your help, and for all your navigating skills~!

Catherine E,
Realtor, Greenville, NC

We were appreciative of your patience with us through this complicated process. We were so busy but you kept I contact with us and kept us on track. A fellow teacher overheard me speaking of refinancing our home and asked who we worked with and if we were pleased with the results because his sister was looking for a reputable lender also. I gave them my ABBA business card and recommended their services. Thanks again for everything.

Wes and Jamie Carlson, Johnson City, TN

Just wanted to thank you guys again. The closing was quick and easy as usual with your company. It’s nice doing business with a family owned broker who looks out for their clients. Hope 2015 is a great year for your business!

Thanks,

Kelly Shinlever

Kelly and Jennifer Shinlever
Maryville, TN

It was very nice to have Rich at the closing with us! The process went well the whole time I thought! I knew it would, thank you guys for taking such good care of us!

Theo and Hanah Milojevich
Wilmington, NC

I ran into my Bosses office doing the chicken dance, the marcarena, and the two step! He looked at me like im nutz. 5 months of so much work and patience and frustration finally behind us! GOD is great, thank you Jesus for answering our prayers. Thank you to ALL of you for your hard work and patience as well with me and my boiling moments. Thank you to Sonya for physically showing us about 40-50 homes in the past 5 months with all that time and gas wasted and Lori for having to do all our documents and writing over 400+ emails back and forth through 4 different contracts and Wayne for answering your cell after hours to still answer all my questions many of times. Thanks to ALL of you. Even you Michael (if though we never met you) thanks for always taking our earnest money with no problem LOL. And thanks to my awesome WIFE for having more patience than me and keeping me level headed through this process…for the most part LOL. Thank you ABBAfirst!

With much respect and tears of joy!

Tobias Barbir
Butner, NC

“I can’t say thanks enough to you and your outstanding team at Abbfirst! You all handled our refinancing superbly. There is no doubt that each of your staff members have worked diligently to help our family by achieving the lowest rate possible, ensuring all the paperwork went smoothly, handling obstacles professionally and caringly, as if they were taking care of their own families. Honestly everyone there demonstrated Col. 3:23 along with the golden rule. Please accept my sincere gratitude and appreciation for your work as we will be thankful for many years to come in our home.

May God bless you and the entire ABBA First team!”

The Searcy's
Rutherfordton, NC
Nov 2014

Another happy ABBA First customer! Thank you again Larry and Margaret… it was a PLEASURE to serve you again!

Larry & Margaret Arnone
Wilmington, NC
September 2014

“ABBA First Mortgage provided us with outstanding service, explanations of everything, and really had our back through the process of purchasing a short sale home. The staff at Abba First Mortgage are very knowledgeable and competitive in their field. We want to say thank you so much for helping us purchase our dream house! We would and have recommended you to our friends! Thank you SO MUCH!!”

The Skelton Family
Wilmington, NC
June 2014

“Everything went well at closing. Thank you to you, Maria, and Rich for all your help during this process. I will definitely send people your way if they are in need of loan/mortgage services! Thank you again for everything you all did!”

Courtney Davis
Haw River, NC
June 2014

“Thank you Lori – you all were great at follow up and communication and having this closing ready to go on your end.”

“Another very happy and satisfied client thanks to your team work and special efforts to get the job done!!! Thanks again for helping to make my job easier with each new client. Rich- You have a great group of people (Maureen and yourself included). I appreciate you guys so much!!!”

“I wanted to make it a point to tell you how great everything went and how much we enjoyed working with your team. Y’all were great to answer questions and went above and beyond in getting back to me quickly and working to get all the paperwork I needed. I would 100% recommend you guys to others! Y’all really are a great team and made this process fairly easy and enjoyable! Thank you again!”

Katie Tyson
Wilmington, NC
May 2014

“Everything went very well with our closing. Lori and Maria were incredibly helpful when it came to getting all of our paperwork in so that we weren’t panicking at the last minute. There was no better feeling than getting a call 2 weeks before our closing date saying that we were ‘cleared to close.’ Rich was always available to us and I was very surprised that he came to the closing personally as I had never had another broker do that.

This was the easiest financing I have ever done on a house and I think that is due solely to how professional ABBA First was throughout the process. I have already recommended your services to a co-worker, and will be sure to continue to send as many people I can to do business there due to your excellent communication and ability to put a customer’s needs first.

Thank you again for all of your hard work and making this a painless process.”

Brenden and Liz Halloran
Wilmington, NC
March 2014

“Thank you all, I know we had a difficult short sale, but everything went as well as it could considering the circumstances. We were please with your previous services on the refinance of our last home, and chose to go with you all again because we trust you and you have done a great job for us. You came recommended by a friend for our refinance and have not let us down. Lori did work beyond what I feel she should have had to do and answered so many difficult questions within minutes of our emails or phone calls on the short sale/hud loan we were applying for. With a short sale everything is rush rush and then wait. When it was time for ABBA to submit documents they had them within minutes of the request. Wayne was also very patient in answering our question even some we had to ask numerous time with the short sale being so confusing. He took the time to have a conference call with my husband and I to explain in detail all of our questions. We are overall very please with ABBA first. Thank you all for dealing with us in this crazy process as well. We are enjoying our new home in this snow storm, and waiting for baby to get here in about a month.”

Jessie Napoli
Concord, NC
February 2014

“You guys have been great to work with and I appreciate how much effort was put into getting me an affordable monthly payment and settlement cost. I will definately recommend Abba First Mortgage.”

Michelle Weaver
Charlotte, NC
November 2013

“Within the space of a year, ABBA First Mortgage helped us refinance one home and purchase another. Rich, Lori, and the rest of the team were all supremely helpful and attentive, demonstrating customer service qualities that have nearly become extinct! Since we live in Tennessee and they are in North Carolina, both transactions were handled via email and phone and that worked perfectly. I have already recommended ABBA First to several friends and family members and will not hesitate to do so again.”

Nicki Dawson
Knoxville, TN
October 2013

“Everything worked out good; thanks again for your continued willingness to provide the best you can for your customers. If I hear of anyone needing a mortgage resource, you will be the first one I point them to.”

Scott Bell
Knoxville, TN
July 2013

“First, I think it was great that ABBA advertised in the Charlotte Observer. I would have never found you otherwise.

Second, everyone on your team from Rich, Maria, Maureen, and you treated me as if you knew me. Interacting with your group is a completely different experience than interacting with some of the big banks. Everyone was working to complete my loan. Thank you.

Third, ABBA promptly let me know what was needed and what to do. I am pretty certain that in every loan there is something that has to be submitted or taken care of expeditiously — you guys made that pretty simple.

Fourth, we closed on time, no delays, no sweat.

By the way, we just save me $30,000 by doing this little refinance. Thank you all for your efforts. I will recommend you at my first opportunity.”

Dan Pierce
Charlotte, NC
July 2013

“We are now second time customers of ABBA First, and not by accident. We were very pleased with our first refinance with them and, when the opportunity came to take advantage of even lower rates, our choice to work with them was easy. Rich Sr. and all the team at ABBA First are great communicators and are a pleasure to deal with. I really enjoyed the ability to upload documents. Thank you to everyone there. I don’t know if anyone’s taken my advice, but I’ve recommended ABBA First to a handful of people so far and will continue to do so.”

Matt and Vicki Stevens
Fleetwood, NC
June 2013

“Just wanted to let you know the closing went seamlessly last night! I have shared your contact info with a friend who is searching for a mortgage company.”

Debbie Bousquet
Pittsboro, NC
May 2013

“Honestly, I really can’t think of anything that could have gone better. You all worked quickly and efficiently, kept me updated, and were always clear and kind on the phone. This is my second time around with you all, and you all continue to impress. I am happy to be a recommendation to any of your clients who would like or need one! I am really happy with the deal you all got me, and helping me out by finding the type of mortgage that worked best for my situation.

Again, thanks so much to you and your team.”

Nick Dusenbury
Charlotte, NC
May 2013

“Thank you and thanks to all people from ABBA First for the work done so we could refinance the mortgage on our house. It took just about 2 months from my 1st e-mail to Richie Sr. advising of our intention to refinance and the closing date – which is quite impressive! The closing process was very smooth, with the notary coming over to our house. All in all, a very positive experience. As always, I will continue to refer you to my friends, colleagues and contacts, as I am sure you will provide excellent service to them, too.”

Nick Serban
Greensboro, NC
April 2013

“Working with the team at Abba First Mortgage has been a very gratifying experience. I appreciate that you were able to work with an atypical situation and effectively process it. I was in capable hands with you. Thank you for walking me through the process each step of the way. Companies of your caliber make this experience a good one; my closing on March 26, was smooth and you are to be thanked for the part you had in making that happen.

Thank you and God bless you!”

Jacqueline Copeland
Durham, NC
March 2013

“Thank you so much for offering additional credit which I really appreciate and for working with me patiently to find the best alternative given my situation.”

Sameer Arora
Charlotte, NC
February 2013

“Closing went well yesterday, it was smooth. Big thanks to Abba First for making it successful and keeping me well informed on all the activities in entire process.”

Anil Vupputuri
Concord, NC
February 2013

“Thank you to Rich Sr., Lori and all the staff who work with us to secure our mortgage and answering all the questions I had. I appreciate the staff at Abba First walking me through the entire process and best of all I believe I got the best rate possible for the loan I needed to purchase our house. It is a great feeling to be homeowners once again and thanks to Abba First for helping make this happen.”

John Russell
Apex, NC
February 2013

"We would like to Thank You for your companies efficient nature, honesty and your professional service. The closing went very smoothly, Mr. McIntyre had all the appropriate documents in order and ready to be processed. We will definitetly recommend ABBA First Mortgage for friends and relatives to do business with. Our son, Ryan had a similiar experience with his refinancing with your company, he also has recommend your services to a friend of his.

We are extremely happy with Rich and his associates in doing their best to get us the lowest interest rate. It was a pleasure working with all of you in the purchase of our new home.

Alan & Sue Wallace
Charlotte, NC
January 2013

"I must say that I am very glad that I chose ABBA First Mortgage. Richard, Maria and Lori were with me every step of the way. Your communication lines were always open and your knowledge of the process was second to none! I thank you for all that you have done and I have referred and will continue to refer ABBA First Mortgage. You truly made me feel like family and I really appreciate that. Again thank you and I look forward to working with you in the future."

Terrain Gill
Charlotte, NC
January 2013

"I would gladly recommend ABBA to anyone needing mortgage assistance. You were upfront about everything and constantly kept me updated as the process developed.

The closing went smooth and there were no negative surprises."

Bill Lewis
Garner, NC
January 2013

"Overall I would give ABBA two thumbs up. Everything you promised was delivered as expected. There were no hidden costs or surprises. Closing went very smoothly. The notary was thorough in explaining what we were signing and we were done in about 30 minutes. I have already given one of my coworkers your number to call as he is also wanting to refinance in the near future. I will continue to recommend ABBA to others as well.

Thanks for all your help in making this a positive experience."

Jack Spurr
Knoxville, TN
January 2013

"Thank you very much for all your help. This is the fifth or sixth time I have use you guys and have had great experiences. I always give you high marks to those asking me about mortgage companies."

Sean B.
Boone, NC
January 2013

"Ralph and I would like to thank you for your wonderful service and helping us with refinancing our mortgage. As is usual, ABBA First Mortgage staff went above and beyond helping us through the process. Closing went well and was such an easy process. I will forever recommend ABBA to friends and aquaintances."

Ann-Marie Johnson
Knoxville, TN
January 2013

"I don’t make it to the beach very often, I’m more of a mountains guy. But I’ve always thought it would be nice to meet you guys. I already feel like part of the family. If/when I do make it down you way, I’ll be sure to drop by.

Thanks so much for all your help with the re-fi. I’d like to think rates will start going up soon and that this will be the last time we do a closing with you guys. But I’ve thought about 4 times already and been wrong each time. As always, I really appreciate all the care and attention you gave to my refinance. I’ll continue telling everyone I work with what a great job you guys do and how great your rates are."

Scott N.
Raleigh, NC
January 2013

"Your rates are unbeatable and I feel like a part of the family when I talk with Rich Sr. He and I have shared personal discussion about life experiences and he has been very kind throughout our dealings. And you, with all the stress you are under getting last-minutes things done to close, are always kind and courteous. You have wonderful customer service for being in a stressful situation.

I would recommend you to anyone refinancing a loan or getting a new loan."

Sean B.
Boone, NC
December '11

"Thanks so much for all of your help leading up to yesterdays refinance, and the one the year before that, and another refinance the year before that. And I’m still greatful for your help on the loan when I purchased my home in 2008. By my count I’ve closed 4 times in 40 months, saved money and felt great about it every time. I tell all of my friends and family that I can’t afford to NOT ABBA First!"

Scott N.
Raleigh, NC
December '11

"Yes, I think everything went well last night. Everything seemed pretty straightforward, except I did need to call Rich one time to clarify something on the HUD. It’s not as clear as it used to be, but the bottom line was just fine. I appreciate everything AbbaFirst has done to keep us involved in the process and informed; when there are changes to the process and confusing new forms, communication is key. I used AbbaFirst again because we had a positive experience last time with Theo, and I had recommended you to my sister as well. I believe Rich is helping her refi as well, despite trying challenges with their appraisal.

I will definitely recommend your company to others. I wish you a very Merry Christmas and Happy New Year, and look forward to talking with you again soon."

Wendy N.
Stanley, NC
December '11

"This was our 3rd finance or re-finance through ABBA First. Katherine and I could not be more pleased with the process and the ABBA team’s effort on our behalf. To say that we have come to trust ABBA First when it comes to our mortgage needs is an understatement. We don’t even think about working with anyone else. As you know, we are now sending our friends to ABBA First.

A special thanks as always to Rich Sr and let him know Joni Anderson was particularly pleasant to work with.

Thank You."

Shaun M.
Advance, NC
November '11

"Thanks very much for all your help. The closing went smoothly, and I assume all is in order to be finalized on Tuesday. You all were extremely helpful in getting this loan closed, given all the hoops the government has even the most qualified borrowers go through these days. I will be sure to recommend you to anyone I know who is interested in obtaining or refinancing a mortgage."

Margery M.
Amissville, VA
September '11

"The closing went great.

I really enjoyed the whole process with you all. I went through about 9 loans in my lifetime and this was the best experience I ever had."

Manuel S.
Knoxville, TN
June '11

"Our closing went smoothly and we’ve all been busy trying to get the house ready to move in.

I found the whole loan process very smooth. As someone who opted to wait on locking in my rate, I found your policy of publishing rates online to be very helpful, and gave me confidence that I was getting the absolute lowest in the market.

Thanks again for all your support."

Joe M.
Raleigh, NC
May '11

"I want to thank Rich Jr. and the ABBA team for working on the refinancing of our first mortgage to get us the best loan rate possible while minimizing our out-of-pocket costs. Rich Jr. and everyone else at ABBA was always courteous and patient. We especially appreciated ABBA Mortgage working with the closing company who had made a mistake transferring our home equity loan. At the end of the day, we obtained an excellent loan, at a very good rate, with our home equity loan still in place. Thanks ABBA Mortgage!"

Bill and Ellen Hanson
McClean, VA
May '11

"I just wanted to take a minute to thank you for the outstanding manor in
which the recent refinance of my home was handled. From the beginning, I
felt at ease dealing with Eric. Wading through the myriad of mortgage offers
that are available both locally and on the Internet can be a daunting
proposition for one not in the business. Eric was straightforward and took
the time to talk with me about my options, as well as share his opinions of
current market trends. When it came time to make a decision who I would
trust to handle my refinance, there were several very competitive options.
The difference for me was the personal service that I felt like I could
count on from Abba First Mortgage. As the loan process moved forward, I had
a chance to work with several of the Abba First Mortgage staff. Joni,
Tiffani, and Maureen were all very professional in their roles, and inspired
confidence that the various elements of my transaction were being handled by
a company that was at ease handling the details.

As my closing date approached, my family received some bad news. We had an
unexpected death in the family that would necessitate our leaving town for a
few days. Although there is never a good time to receive this kind of news,
this was particularly concerning as my mortgage rate lock was set to expire
while we were away. Maureen couldn’t have been more understanding, and made
it clear immediately that Abba First would do whatever was necessary to
protect my rate until we could get back in town and complete our closing.
As a Christian family with one daughter in a private Christian high school,
and another in a private Christian college, I took note that Maureen
sincerely let me know that they are a praying company, and that they would
be praying for our family during a difficult time.

Suffice it to say that I will gladly recommend Abba First Mortgage to all of
my friends and family! If I can ever be of assistance as a reference, it
would be my pleasure to speak with anyone considering your outstanding
company to handle their financing needs. Thank you again, and God Bless!"

Grant M.
Knoxville, TN
February '11

"Actually, I was going to send you guys a "Thank You Very Much",! I was pleasantly suprised how smooth everything went with Tina at the closing. I am sorry about the trouble I had with getting the paperwork to you but once you get all the stuff, it was wham bam! So thanks again for the help, take care and best of luck in the future."

Chris B.
Jamestown, NC
January '11

"My experience with Abba First was terrific. You all did exactly as I asked and at a year-end rush. Thank you so much for your patience, professionalism and diligence at sticking to getting the work done when we were up in the air about the particular property we were closing on and the associated appraisal.

You all are the best!!!

Blessings to you and yours and may you have a wonderful Merry Christmas. Please thank Joni, Eric and the entire team that worked on our closing!"

"Aside from the bank taking so long to approve the loan, this was a rather painless process. The ABBA staff and management were polite, professional, responsive, timely and knowledgeable of their assigned responsibilities. I have no problem recommending friends and family to ABBA for mortgage financing services. "

David G.
Vonore, TN
November '10

"The closing went smoothly, which was a welcomed experience after what it took to get there.

I was more than pleased with Abba First Mortgage handling this transaction on my behalf.

Rich Sr.-such a pleasure. He was knowledgeable, friendly, kind and patient with me. He answered all of my questions and always took time to make sure that I was comfortable with all of the information and the situation. Always a positive experience in dealing with him. Thank you so much Rich.

Maureen-what can I say. You have seen me at my worst and dealt with me like a consummate professional. You always had my best interest in mind and went above and beyond to help me thru the tribulations of getting the” Chase” situation handled. I do apologize for my frustration, attitude, and less than polite phone manner. Your continued support and faith that it would all work out really helped me.

I can honestly say that in business today, this level of customer service is not the “norm” that I experience. Most companies will never go the extra mile to help a customer achieve what needs to be done, even when they have acted incorrectly.

Again, thank you, and I will most definitely recommend your services to family and friends!"

"Let me begin by thanking all of you for your support and excellent service during Sanders Refinance III with AbbaFirst. Like the two previous loans, my wife and I were thoroughly impressed by your professionalism and care. As we tell our friends, a new home or refinance can often be compared to a trip to the dentist. Something that you need to do, but that is not something you really look forward to doing. AbbaFirst has not only made the process painless from beginning to end, you do it with a personal touch that is often rare in an impersonal world. It is a tribute to your level of service that when I first contacted Rich Jr. and he told me that you were not taking on any new clients, we decided to wait until AbbaFirst was ready rather than seek out a new mortgage broker. Our patience paid off, we got great service and a great rate."

Guy S.
Greensboro, NC
September '10

"Thanks for everything, closing went smooth no issues.

My over all experience was good. Whole process took more time than I expected but in end every thing was ok.

I have already referred friends to ABBA and will continue."

Bhupesh P.
Charlotte, NC
October '10

"This re-finance was the easiest loan we’ve ever done, and we’ve bought and sold a lot of homes!!! Thanks again for your help…"

Hope N.
Advance, NC
September '10

"I chose ABBA because your ad said you do business "His Way." As far as I am concerned you lived up to that."

John C.
Sweetwater, TN
August '10

"Everything went smoothly with our mortgage and there were no surprises! We appreciate being able to view the closing documents prior to closing. This helped us "digest" everything the day before closing. The fees were as you said they would be and that means a lot in terms of your integrity.

Thank you for your help and getting us to closing within our time frame and with fees as originally promised."

Leo S.
Dandridge, TN
July '10

"Thank you very much for the help in preparing the mortgage for us, and it was a pleasure to work with you guys. I will definitely recommend my friends to check with you guys if they come to the point of purchasing a new home."

Xiaoguang Sun
Knoxville, TN
July '10

"Thank you very much for all you have done for our loan! It is very pleasure to work with you too. We will definately use you again and recommend you to others."

Brent and Hong Baker
Hendersonville, TN
July '10

"I just wanted to thank you both for your effort in my home purchase. I finally closed on Monday. My interaction with you has always been pleasurable and you both have been a big help throughout this process. I’m looking forward to settling into my new home and I couldn’t have done without you."

David W.
Powell, TN
April '10

"I just wanted to let you know that the closing was done yesterday. Everything went smooth. I am glad that you were available to help me. Thank you and Liz for doing a job neatly done."

Muhammad I.
Lenoir City, TN
February '10

"The closing on friday was extremely smooth. A Great rate, and the most competitive closing costs among a number of brokers. Thank You both for your efforts and patience on our behalf. I will recommend ABBA First to anyone I hear looking for a mortgage or refinancing."

Thomas H.
Hampstead, NC
February '10

"Rich and Liz, Brian and I wanted to again say Thank You to everyone at AbbaFirst Mortgage for making our refinance very easy for our family. We appreciate very much the time you both spent in explaining each step of the process to us. The rate was excellent as was the short time it took to close the loan. We have recommended you to our neighbors and will continue to do so. We trust you and feel that you truly have our best interests in mind. Thank you again."

Brian and Tracy A.
Matthews, NC
November '09

"Everything went fine at closing. You were a pleasure to work with, very responsive and answered all my questions. I’ll definitely refer your name to my friends, family, and colleagues. Thanks for all your help Eric and tell your boss u deserve a raise : )"

Ardra K.
Raleigh, NC
October '09

"I know its been a couple of weeks now and I have been meaning to get in touch with you regarding our refinance. I just wanted to thank you for all of your hard work and patience in getting this done. My wife and I agreed that this was one of the smoothest, most hassle free closings we have ever been through. Everything worked out just as you said it would. That’s pretty amazing when there are so many things that can go wrong during the process! Just today, the payment coupon for November and a check for $25 dollars (apparently, the appraisal ended up costing less than planned) arrived in the mail.

On a personal note, I wanted to let you know how important it was to Linda and I to get this done (and not just from a financial perspective). At the beginning of August (the same day I started my new job, actually) I was diagnosed with melanoma. The initial prognosis wasn’t very promising, but surgery was successful and right now I am clear of any cancer. It may come back, but things right now are looking very good. It took a while to get appointments scheduled and surgery done, so having something like a mortgage refinance go smoothly amid a lot of uncertainty was definitely a blessing. Thanks again for everything."

"Thanks for your note Karen. We found the entire refinancing process to be quite simple and we were pleased with how quickly it went. Thank you for working with us to make it possible, and please convey our thanks to Rich Jr."

Mark E.
Huntersville, NC
September '09

"I want you and your company to know that you were an absolute delight to work with throughout our recent refinance. You made the process simple and your attention to detail and follow-up is commendable. Please know that I will certainly refer you to others and if we are in need of mortgage services in the future, you will be the first person I contact. Thank you for your professionalism and your efforts on our behalf."

Pam S.
Charlotte, NC
August '09

"Just wanted to let you know that the closing went well and what a pleasure it was to deal with Karen and your organization. Also, in addition to your competitive rates, what influenced me to choose ABBA was your reference to "Him" in your newspaper rate quotes. In todays atmosphere of political correctness, it is refreshing to see someone whom stands by their convictions."

Ken Danton
Lenoir City, TN
June '09

"We would like to thank each of you for your help in our mortgage refinance. It was virtually painless on our end (don’t know that you could say the same with the quantity you are processing) but we are very thankful that you were able to get everything ready and out in time for us to take advantage of the low rate window.

I really have no comments for improvement. You always responded quickly to questions, either by email or phone, updated rates were usually posted daily and your online process worked very well for our busy schedule.

Realizing we could not expect you to contact us each time the rates fluctuated, we kept an eye on it our rate options pretty much daily, and when we thought it was time, Rich Sr. was there to get us locked in. I must say though that Rich Sr. was excellent in his predictions on what was coming with the rates. His advise re-enforced our need to stay on top of the rate flux.

Thanks for all of your help!! We will certainly recommend you to anyone looking for a mortgage company….And we hope to see you again soon."

Steve & Mary Strothmann
Cary, NC
June '09

"I have already recommended ABBA First to my parents who are looking to refinance their house. I couldn’t be happier with the cost and integrity of ABBA First. I wish I had discovered you guys when I first purchased our house a year and a half ago. It would have saved us over $3,000.00 in closing costs.

I know I was brusque at times, but Rich Sr. and Kaitlyn took it in stride and were always courteous and professional throughout the process.

I will definitely use ABBA First again. "

Paul Hester
Knoxville, TN
June '09

"Thank you for your assistance in processing my mortgage loan. You were so kind to me. You were wonderful to work with. I appreciate that every time I called you, if you were busy, you called me back promptly. I would highly recommend ABBA First. I really felt like you had my best interest at heart. Thanks again, Theo.

P.S. The closing process also went very well. The ladies were very professional and nice to work with."

Faye S.
Knoxville, TN
May '09

"We just got back from the closing. Everything went well. A rep from [lender] was there to do the electronic filing of the documents and we already have our pdf of the closing documents. As my son would say, SWEET!

Like last time, Abba First has done an excellent job. Mr. Marks was amazed at how fast the loan approval was completed. He is need of a refinance and we highly recommended you! I cannot think of anything I would change or how you could improve. Of course, you will always be on the top of our list for referrals to family and friends.

Please feel free to share these comments on your website. Thanks again and please thank all the staff at Abba First!"

Guy S .
Greensboro, NC
May '09

"Thank you very much for an efficient and painless process. I believe you got us a great rate for no points and we appreciated that there were no surprises in the fees at closing or anything untoward at any stage. We will definitely recommend you to our friends. Thanks for your patience with our questions, especially mine."

Rama & Shankari Vetury
Charlotte, NC
April '09

"Once again, you and your staff have made what can be an arduous process, painless and trouble free. This is the second time we have used Abba First, and each time I am more impressed with the honesty and integrity with which you and your staff operate. From the start it was clear that you had our best interest at heart and treated us like family.

I will not hesitate to use you again should the need arise, and highly recommend you to all our friends."

Kevin & Wanda R.
Knoxville, TN
April '09

"Thanks for your help in working through this process. ABBA First really has done a great job in servicing our refinance desires!"

Mark M.
Knoxville, TN
April '09

"Thank you so much for all your hard work! The closing was fine-I can’t get over how fast and easy it was! This process sure had changed! Thanks again for all you did."

Bernadette W.
Huntersville, NC
March '09

"On behalf of Jason and myself, I want to thank you and your ABBA First family for your patience and guidance through this often confusing process. In the midst of doom and gloom news reports we rested in the confidence that ABBA First had our best interests at heart. Your willingness to explain the ins and outs of the mortgage jungle time and time again was always appreciated and set you apart from other companies.

Thank you for all your help and generosity with your time and experience. We have already recommended ABBA First a number of times and will continue to do so."

Jada A.
Wilmington, NC
February '09

"Thank you again for following up on this and for your great service throughout the process. Everything went smoothly this morning and Dan just followed me to the bank so I could take care of the check right away. We are pleased that we can recommend you without any reservations to our friends, and have already given one recommendation to someone at church. I can only imagine what a crazy time this is for you (as evidenced by your email reply at 11:15 pm), so we thank you for making the process seem so easy and for taking the time to answer all our questions along the way."

Betsy L.
Matthews, NC
February '09

"We closed on our loan last night. Everything went really smooth. Just wanted to thank you and your staff for everything. You have really helped us out these last couple of years in both securing our home and refinancing our loans. It is such a relief, especially in these crazy economic times, to have someone working for you that you have complete trust and confidence in."

Phil B.
Leland, NC
February '09

"We just returned from settlement and we were very happy the way everything went. I was talking up ABBA to the lawyer and our real estate agent. You did a great job. I remarked to my small audience how rare it is that a business delivers exactly what they said they would. We will be glad to pass along the ABBA name to people we come across. I can’t be more pleased with the relationship we formed and how effortless the process was for me. That’s my feedback. Best of luck in the future. "

Allen S.
Pinehurst, NC
January '09

""Maureen, you and Rich made this almost painless in spite of my insecurities about rates, the market, etc. As one mother to another, you raised a fine son and I know you are proud of him. You were both professional as well as personable. I would not hesitate to recommend you to family and friends and will certainly keep you in mind. I had a friend who is a foreclosure attorney in Atlanta look over my paperwork, and he pronounced it well done and even commented that you were able to get me the best interest rate he has seen recently. The loan is closed and we are very pleased with our experience at AbbaFirst!"

Valerie B.
Ooltewah, TN
October '08

"Kaitlyn, you were wonderful to work with! The whole ABBA Team is quite something. . . . real understanding people. I’m not the quickest knife in the drawer, yet you always showed patience toward me and helped me understand issues and missions clearly. You all have great warm humanity and quick-witted humor. . . .even when I was coocoo-nuts!!!"

Greg H.
High Point, NC
October '08

"Thanks very much for a very smooth, professional transaction. I wouldn’t hesitate to refer Abba to anyone-you guys did a great job!"

I do appreciate the amount of work and time that you put forth in making my loan approval and signing process as smooth as possible. I imagine there is a significant increase in material needed for interaction between banks and personal lines of credit due to recent changes in the economy.

Your frequent correspondence kept me informed and feeling secure in my choice to use ABBA First Mortgage. There were no surprises due to the friendly interaction and willingness to answer my questions along the way.

I know your success will continue as determined by the characteristics above that you excel at. Thanks again for your time and services."

Brette W.
Mooresville, NC
October '08

"Thanks, Rich Sr. I appreciate everything you did to make this happen so quickly. Everything went smoothly at closing. Great rate and great service from you, indeed."

David S.
Charlotte, NC
September '08

"I could not have asked anyone to be any more helpful than you have been. That has been one of the most pleasant things about this whole closing from beginning to end. You really helped me and I appreciate it very much. I wish everyone would do their job when working with buyers or sellers. It would sure take the pressure off of others. Thank you again. Hope we get to work together again in the future."

"I would like to thank you and Abba First for a job well done. Your professionalism and ability to meet a quick turnaround time allowed my family and I to continue through our daily routines with minimal disruption and saved us from paying an additional month’s rent on the apartment my Mother had been staying in."

Steve E.
US Army Special Operations Command
Fayetville, NC
August '08

"I’ve only been through the mortgage process four times in my life, but I can easily say that this was the most smooth and pleasant. Between Missy, Skip and you I felt like I was the only customer you were dealing with. The quick response times I received for emails and phone calls are unheard of in this day and age. I look forward to referring all of my friends and family to ABBA First. "

Scott N.
Raleigh, NC
August '08

"Smooth as silk! The e-signing is new for me, but the atty did a good job explaining everything. Thanks for making this go so well!"

"Before anything I would like to say thank you, the closing went smooth without any troubles and fast and painless for lack of better word!

Please let the whole crew that we are deeply thankful for the great job you’ve done. Definitely we will pass the word about you guys with family and friends, once again thanks."

Ulysses G.
Apex, NC
August '08

"Just a short email to let you know the closing went smoothly on Thursday. This was a difficult loan process for me due to the amount of paperwork now required by the lenders. I wanted to thank your company, Skip, and to especially thank Kaitlyn for the assistance she provided. She understood my frustration with the process and spent the extra time necessary to ensure everything was correct.

Thank you again for your support and I will pass your company’s name to others who might be purchasing a house in the near future."

Jeffrey C.
Cary, NC
August '08

"I would like to thank you and Rich Sr. for your effort in providing a mortgage for us. You provided me with valuable insight concerning the loan process. You also put customer service first, by taking the time to pick up all of my phone calls.

I hope to be in touch in the near future, and will highly recommend your firm to those with mortgage financing needs in your area."

Keith A.
Charlotte, NC
July '08

"Rich, I’m delighted with all of your efforts and early advice and let me tell you Kaitlyn is a Superwoman!

Though I never doubted the outcome with that loan/value ratio, I was nervous that I had given up that secure mortgage with people I know to save a few thousand, but very glad I did.

I"m sure I was a pain to Kaitlyn, just making sure I could get this done by the end of the month, but she was as professional as I’ve ever seen.

Your efforts and service are unparalled in my experience, and I’ve done several hundred closings and a few involving myself. I used to live in the "mortgage broker" world as I had best friends who were mortgage brokers in Augusta, Ga, and Columbia, SC and my exwife was a loan officer for Hootie Johnson, early in his days with Bankers Trust (before he took over Augusta National).

I’ve picked up the statement and everything looks great. We’ll sign everything Monday afternoon and Sharyn in Buck Adams office will wire funds to my account as soon as the rescission period is over. I"ll call you guys after all that to say thanks again.

Let me know if I can ever provide a reference."

Robert W.
Pinehurst, NC
July '08

"Thanks so much for all your hard work! I appreciate your professionalism and patience. Communication was always prompt and courteous. I wouldn’t hesitate to recommend your company to friends and family."

Erin M.
Gallatin, TN
July '08

"Our closing went so smoothly, it was unbelievable! Everything Rich Jr. said was true, including the closing fees. We have always used [lender] in the past, but they couldn’t compete with Abba First Mortgage. It was a pleasure working with you and Maureen also. Thank you very much. We will definitely refer others to your firm."

Maria & Joe W.
Raleigh, NC
June '08

"I would like to thank Missy and Rich Jr. for their outstanding support, expertise and the professional manner in which they handled my loan. My experience with AbbaFirst has been nothing less than excellent and I would highly recommend them to anyone seeking referral. I am very appreciative that I have experienced their “Golden Rule” mission statement being applied in daily business; thank you for treating me with the care and consideration that you would want in return. You truly honor a higher standard of business practice, and it hasn’t gone unnoticed."

Danny S.
Rutherfordton, NC
June '08

"My loan is finally closed and I have received the final check from [lender]. I want to take this opportunity to recognize Theo for his professional and courteous manner in which he handled all the little demands being put forth by the bank after the closing. He was always responsive, timely and very polite which sisignificantly reduced the annoying parts of refinancing.

You can count me in as a positive reference for your company."

Amer M.
Morrisville, NC
April '08

"Everything was great. I have already made several referrals with highest recommendations for your assistance. Your help in securing a great interest rate will definitely affect our future. We are most appreciative. Thanks so much.. will not hesitate to sing your praises!!!"

Beth J.
Wilmington, NC
April '08

"I have found your efforts and service exemplary throughout all of our transactions–truly unusual in its courtesy, efficiency, speed, and sensitivity to clients’ needs. At all times ABBA representatives were thinking ahead to provide beyond-the-call attention. Certainly Rich’s re-negotiation of a better interest rate after we had locked in is an excellent example of what I mean. I cannot think of many agencies that would go to the extra trouble–the work was done, many might have said.

But not Rich–a man who absolutely sets a tone at ABBA for putting the client first.

In short: I can recommend ABBA First Mortgage without reservation. Thanks for everything."

Robert Y.
Asheville, NC
March '08

"I would like to thank you for all of your help in refinancing my loan. Even with the new lending requirements, you folks made everything as easy as possible. I think you did a superb job and I would not hesitate to refer you to family, friends and my real estate clients. Many thanks."

Gloria P.
Matthews, NC
February '08

"I wanted to send a note to thank you for helping us with our refinance. We received our money from our old escrow account today, and we had already received the packet from [lender]. Thank you for getting everything done so quickly! We’ll definitely recommend Abba First to our friends! "

Rebecca & Chris H.
Cary, NC
February '08

"We are very much enjoying our new home with a huge thank you to you, Missy and the rest of your staff. The closing process, from the application process through the closing, went very smoothly and without any hiccups. Everything you told me that would happen, did. I have and will continue to recommend you and Abba First to anyone I know that needs a mortgage financing. You provided a wonderful personable service with high integrity. Thank you again!"

Scott H.
Fayetteville, NC
January '08

"We are both very pleased with the outcome and savings of our refinance. I think the process was extremely smooth and I was very happy to save on the typical $400 appraisal fee. Very rarely do costs come in under budget! It was great to close on time, with absolutely no setbacks or problems whatsoever during the process. We are also very appreciative of Rich’s work with the lender to get our rate reduced when rates dropped. Overall, the process was exactly what you would hope for, smooth and easy!"

Sarah W.
Charlotte, NC
January '08

"The closing went very smoothly as did the entire process. My attorney also commented on what a pleasure it was working with you and I agree with her. I would not hesitate to recommend Abbafirst. All the best to you and Rich in the New Year!!"

Peggy C.
Wilmington, NC
January '08

"Thank you very much! Everything went great today. We were very pleased with the entire process. Given that this is our fourth closing since 1991, we consider ourselves "veterans" of the process. ABBA First Mortgage was by far the easiest, most professional, and trust inspiring mortgage company we have worked with in the past 17 years. I am so glad we were able to connect with you, and you will always be the first mortgage broker that we will recommend to friends and family. Please feel free to use our comments as a testimonial.

P.S. I was just sitting down to the computer to compose a letter requesting the property appraisal when I read your e-mail! Thanks again for anticipating our needs!"

Guy and Leslie S.
Canton, NC
January '08

"Not that I ever doubted you, we received the check yesterday… we got a good interest rate on the mortgage, and the service was first rate. Everything was done efficiently and in timely manner. Whenever we need mortagage related services in future, we are sure to contact you first and we will also wholeheartedly recommend ABBA First Mortgage to our friends. Thanks and have a prosperous and happy new year!"

Vivek and Nidhi S.
Morrisville, NC
December '07

"I just wanted to send you guys a sincere thank you and a very special God bless to Maureen for all of her extra work on her days off to make sure that I got my closing done on time. I wanted to thank you all for helping me get this caotic experience taken care of with all of the problems the buyers for my house had with their closing and how patient Maureen was with coming in on Friday when she had the day off and finalized my closing. I just wanted to let you know that my closing attorney was very impressed with the loan and he actually said that I got a great deal with the rate and closing costs and that he hadn’t seen one this good in a long while (He’s been doing real estate for over 30 years). I do plan on referring friends and family to you and thank you again."

Donovan S.
Canton, NC
December '07

"Dear Maureen, I truly felt that you took a personal interest in me as I sought to obtain a loan for my last (I hope) home. From my first contact with Rich Jr., I believed that you were a first class operation, and until the very end that was proved out. Thank you very much and I wish your excellent company, ABBA (which means "Daddy" in the Bible) every blessing and success."

Betty P.
Shelby, NC
December '07

"Closed yesterday and everything went well. Just want to let both of you know that it was a pleasure doing business with you. It is so nice to talk to people that are polite and patient – and, best of all, you delivered exactly what you promised, unlike [broker]. The ironic thing about it is [broker] used [lender] as the lender too, and then blamed the additional fees they tried to charge me at closing on them (I refused to sign and lost $725 in attorney’s and appraisal fees). So, great job and thanks."

Eric F.
New Bern, NC
November '07

"I wanted to again thank you and Rich Jr. for making this process as painless as possible. From application, to closing, your communication was constant and the information accurate. I did not have to worry about the competitiveness of my rate, rate lock, or closing on time (which is saying quite a lot, under the current market conditions and while doing this all remotely). This is the second time I have done business with Abba First, and it probably won’t be the last."

Mark S.
Wrightsville Beach, NC
October '07

"I recently refinanced my home through Abba First Mortgage. They found me a great interest rate with low closing costs. They held true to their word and provided everything in writing. They were professional, thorough, efficient, quick and friendly. For the first time after dealing with several different lenders, I felt as if servicing me was their first priority verses making money from me. Abba First Mortgage was a blessing to me and I highly recommend them to everyone looking for any form of a home loan. Thank you Abba First Mortgage… forever a client."

Sandra G.
Mooresville, NC
October '07

"I was hesitant about dealing with an out of town mortgage broker but the "Doing business His way" slogan led me to your company. I must say, it was a pleasure doing business with ABBA First. I believe that I spoke with all of you at one time or another and each one of you have a "can do" attitude that gave me the confidence I needed that I was dealing with the right company. Your customer focus and communication were superb. This has been a difficult couple of months for me and my family and I appreciate the care and concern I have gotten from your company. Give my thanks to all. "

Andy T.
Matthews, NC
October '07

"Thanks again so much for your help throughout what proved to be a much more trying process than we imagined (maybe we’re a wee bit naive…)

Anyway, we had a three way discussion at the closing between Debra Whaley (atty), Syndie Byrd (agent), and I and I think that you’ll find some new clients by way of those two as well… they agreed that it was YOU that made the whole thing come together — despite appraisals, despite insurance agents, etc.

You can count both Jenn and I as big fans of ABBA First and we’ll definitely be back in touch when we have future mortgage needs."

Shane O.
Emerald Isle, NC
September '07

"Thank you once again for all that you did to make our closing go smoothly yesterday. I look forward to meeting both you and Rich Sr. if and when you are in the Greenville area. Rest assured, I will gladly refer anyone to Abba First Mortgage!"

Robert W.
Greenville, NC
August '07

"Just wanted to say THANK YOU to you, Maureen, and everyone else at ABBA First. We closed on Friday without any problems. It was a real pleasure to work with you. We always felt that you were looking out for our best interests which in today’s world can be hard to find.

It appears the mortgage industry is headed for some tough times and we pray that God will continue to provide you and your company continued success and prosperity. We will certainly contact you again for any future mortgage needs we may have and we will be glad to recommend your services to family, friends, etc. Thanks again."

Tim and Sandie H.
Clayton, NC
August '07

"Thank you for your prompt and outstanding service… we are very satisfied with your reliable service and will certainly consider hiring your service in the future. Thank you again."

Joo Lee H.
Charlotte, NC
July '07

"It was a pleasure working with you, too. I have nothing but great things to say about you and the ABBA First folks who helped us get into our new home. I’d be happy to recommend you to friends and family who are looking for a mortgage broker."

Marty B .
Wilmington, NC
July '07

"We are officially home-owners now! We appreciate so much all that you did for us (along with all the rest of the Abba First Family). You guys were such a pleasure to work with, and we have felt so blessed to have found a company like your’s to work with during this very important time in our lives. Thank you so much for everything!!"

Brooke M .
Wilmington, NC
July '07

"I just wanted to thank you for the job well done.You had done more than anyone would do to close the loan for my son Andrew and for that I am very grateful to you.You have been so focus and very prompt and efficient in every step you took!

I will and I am sure Andrew will recommend you to anyone we know looking for mortgage for the house."

Lillian L.
Waxhaw, NC
May '07

"I have absolutely no problem with you using my testimony. You did the work, you got the best rate, and you deserve the credit.(Thank You) Have interest rates got worse? Everyone I have talked to said I got good rate and had a relatively cheap closing. I will definitely pass your name around when someone wants a mortgage."

Michael A.
Fayetville, NC
April '07

"I want to thank you for all of your help in securing my home loan! You were great!! As you know, we were working under a tight timetable and had the holidays to deal with. But through it all, you paid attention to the details and made sure everything went smoothly. I can’t thank you enough for all you did. It is such a pleasure to work with a professional who cares about their customer!

I’d gladly recommend ABBA First to everyone and anyone! I can’t say enough good things about the quality service and customer care you and the company provide! Unfortunately, it is rare to find quality service these days, and I try to encourage and recognize it whenever I’m fortunate enough to encounter it!"

Ed K.
Holly Springs, NC
January '07

"Just got off the phone with Maureen thanking her for her efforts and to let her know the closing went fine despite a few last minute paperwork snags. And to you, a big thanks for your professionalism and your knowledge, as well as your efforts in this journey of mine. This whole process has been quite an experience and I sincerely appreciate your work, as well as your staff’s, in making it a pleasurable one.

As I’ve mentioned before, you have a class A business there, and I consider myself lucky to have been able to do some business with you. Please accept my warmest thanks for everything and I look forward to continued contact as time goes by."

Kevin U.
Wilmington, NC
March '07

"I cannot thank you two enough for all the work you did to help us close today in the nick of time. I would not be able to recommend another lender more than I will you to anyone who asks for a good lender. Your rates were great but most of all, your customer service is 1st rate. From Rich to Melissa, to Maureen, to Sharon, all of your staff was very friendly and always accessable. I will always include you in any recommendations that I make in the future."

Sean B.
Boone, NC
February '07

"We want to express our thanks to you, Melissa, and all your staff at Abba First for a completely positive experience with our mortgage.
We thank God for you and your business. We closed on Friday. Thanks for your calls and follow-up at every step of the process. Your good faith estimate and APR were exactly as you stated. We look forward to meeting you in person sometime, perhaps on a visit to your area, and we will certainly make sure we tell our friends about you!"

Jack D.
Hickory, NC
November '06

"Thanks for your well wishes. Yes, closing went well and we have the keys to the house. Time to begin moving in tomorrow. Thanks for all your help. Everything went so smoothly. Our realtor has your name and may refer some of her clients to you. Everyone is impressed with the interest rate below 6% that we got from ABBA. It will certainly help make our house more affordable for the next 30 years of house payments."

Steve H.
Hendersonville, NC
December '06

"Everything went well. It was a pleasure working with you as well. I sincerely appreciate your thoroughness and professionalism during the entire process. I will definitely refer you to my friends and family. Thank you."

Jim R.
Holly Springs, NC
August '06

"Thank you very much for all your help in buying our house. It was a little crazy toward the end but ABBA always did everything on time. You also were good advocates for me – which is more than I can say for the other entities involved in the process. I am also happy that you advised me to counteroffer when the house did not appraise. I think I would have figured that out, but your early advice sped things up. We love the house and will definitely recommend you to everyone we know."

Arthur S.
Enka, NC
October '06

"Just wanted to send you a quick thank you for all of your help in our quest for a mortgage. Your efficient manner was very much appreciated!"

Sara S.
Wilmington, NC

“I wanted to follow up and let you know that the closing went well and all went as planned. Thank you for all of your help throughout the process… It was a pleasure to do business with you!”

Mark S.
Wrightsville Beach, NC
May '06

“I want to thank you for the excellent service you provided. I appreciate the time you took in explaining me the process, providing me with timely updates and addressing my concerns. There might be other companies who provide competitive rates but it’s the comfort of good service that makes the experience unique especially for a first time buyer like myself. I would certainly recommend your company to anyone who is in need of your services.”

Ketan S.
Morrisville, NC
July '06

“You guys were great and my family and I are very grateful you were able to pull off a miracle at the last minute. Thank you for the great communication and helping set everything up. The closing went very smooth and the attorney was very impressed with the loan (called it very "clean", because there were no additional fees attached).

I will be referring any friends in need of a loan to ABBA. Thank you for being able to work this through with such a difficult economy, and such a difficult buyer.”

Kirk G.
High Point, NC
August '08

“I have nothing but praise for your work and helping us refinance our home. Your entire team members are very polite and courteous. You explained to me with patience and in plain language. I like your honesty and you are always eager to help.”

Sharad K.
Charlotte, NC
May '06

“Honesty, Integrity, Skill, Knowledge, and Communication are what I personally base my business on–it’s what I feel my clients deserve. It’s important to me to be able to recommend my clients to those who impart these same ideals. My experience with ABBA First Mortgage, Inc. has been nothing short of phenomenal–they certainly set the standard for their industry monumentally high!”

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Satisfied Customers are Saying...

I so enjoyed my experience with all of you at ABBA. You guys are so professional and genuinely care about your clients. I so appreciate all of your hard work. Thank Wayne and Richard also. I mentioned to my boss today before I got this what a good expo it was! Thank you